| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | COMPANION LIFE INSURANCE COMPANY | $70K | $0 | $70K | 6.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6330 SOUTH 300 EAST, SUITE 670 SALT LAKE CITY, UT 84121 | METROPOLITAN LIFE INSURANCE COMPANY | $51K | $75 | $51K | 10.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 1.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD FOUR RADNOR CORP. CENTER, SUITE 510 RADNOR, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $50 | $50 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 RIVERGATE DRIVE, SUITE 200 SALT LAKE CITY, UT 84047 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $60K | $0 | $60K | 19.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $4K | $0 | $4K | 2.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LIBERTY MUTUAL COMPANY OF BOSTON | $8K | $3K | $11K | 6.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | HYATT LEGAL PLANS | $4K | $487 | $5K | 9.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | HYATT LEGAL PLANS | $850 | $130 | $980 | 1.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 35 WATERVIEW BOULEVARD, SUITE 300 PARSIPPANY, NJ 07054 | HYATT LEGAL PLANS | $0 | $108 | $108 | 0.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | HYATT LEGAL PLANS | $0 | $53 | $53 | 0.11% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,966 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,977 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMPANION LIFE INSURANCE COMPANY | 4,111 | $1.0M |
| Vision | VISION SERVICE PLAN | 1,547 | $184K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,975 | $476K |
| Long-term disability | LIBERTY MUTUAL COMPANY OF BOSTON | 1,992 | $174K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,975 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,111 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.